What health insurance costs without a subsidy in Manitowoc County, Wisconsin (2026)
In Manitowoc County, Wisconsin, the benchmark silver plan costs $542.15/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $447.76 to $732.62. A 60-year-old pays at least $950.88/month, a 21-year-old at least $350.36. 3 insurers offer 40 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $350.36/mo
- Age 40 — starting at $447.76/mo
- Age 60 — starting at $950.88/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $499.10/mo
- Silver — starting at $541.05/mo
- Gold — starting at $617.29/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Anthem Blue Cross and Blue Shield, CareSource (Common Ground Healthcare), UnitedHealthcare
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Manitowoc County (FIPS 55071).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Wisconsin
- Ashland County — $777.50/mo benchmark
- Sawyer County — $777.50/mo benchmark
- Barron County — $746.29/mo benchmark
- Chippewa County — $746.29/mo benchmark
- Dunn County — $746.29/mo benchmark
Plans available in this county (40)
- UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) — Bronze · $499.10/mo @ 40
- CareSource (Common Ground Healthcare) Bronze Standard $7500 — Expanded Bronze · $447.76/mo @ 40
- CareSource (Common Ground Healthcare) Bronze $9600 ($45 PCP Copay) — Expanded Bronze · $447.97/mo @ 40
- CareSource (Common Ground Healthcare) Bronze Standard $7500 - Vision Exam — Expanded Bronze · $448.86/mo @ 40
- CareSource (Common Ground Healthcare) Bronze $9600 ($45 PCP Copay) - Vision Exam — Expanded Bronze · $449.07/mo @ 40
- Anthem Bronze Pathway/Lean 5000 (3 Free PCP Visits + $0 Select Drugs + Incentives) — Expanded Bronze · $461.91/mo @ 40
- Anthem Bronze Pathway/Lean HSA (+ Incentives) — Expanded Bronze · $467.06/mo @ 40
- Anthem Bronze Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $467.79/mo @ 40
- CareSource (Common Ground Healthcare) Bronze $0 Ded / $2500 Rx Ded — Expanded Bronze · $468.52/mo @ 40
- CareSource (Common Ground Healthcare) Bronze $0 Ded / $2500 Rx Ded - Vision Exam — Expanded Bronze · $469.62/mo @ 40
- Anthem Heart Healthy Bronze Pathway/Lean 0 Med Ded ($0 Virtual PCP+$0 Select Drugs+Incentives) — Expanded Bronze · $495.30/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $521.49/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $545.33/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Expanded Bronze · $560.91/mo @ 40
- CareSource (Common Ground Healthcare) Gold $3300 — Gold · $617.29/mo @ 40
- CareSource (Common Ground Healthcare) Gold $3300 - Vision Exam — Gold · $618.39/mo @ 40
- CareSource (Common Ground Healthcare) Gold Standard $2000 — Gold · $623.41/mo @ 40
- CareSource (Common Ground Healthcare) Gold Standard $2000 - Vision Exam — Gold · $624.50/mo @ 40
- CareSource (Common Ground Healthcare) Gold $0 Ded — Gold · $680.53/mo @ 40
- CareSource (Common Ground Healthcare) Gold $0 Ded - Vision Exam — Gold · $681.62/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $711.71/mo @ 40
- Anthem Gold Pathway/Lean 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $714.94/mo @ 40
- Anthem Gold Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $714.99/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold · $717.05/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Gold · $732.09/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) — Gold · $732.62/mo @ 40
- CareSource (Common Ground Healthcare) Silver $5000 Ded / $6000 Rx Ded — Silver · $541.05/mo @ 40
- CareSource (Common Ground Healthcare) Silver $5000 Ded / $6000 Rx Ded - Vision Exam — Silver · $542.15/mo @ 40
- CareSource (Common Ground Healthcare) Silver $4700 Ded / $5000 Rx Ded — Silver · $546.12/mo @ 40
- CareSource (Common Ground Healthcare) Silver $4700 Ded / $5000 Rx Ded - Vision Exam — Silver · $547.21/mo @ 40
- CareSource (Common Ground Healthcare) Silver Standard $6000 — Silver · $548.05/mo @ 40
- CareSource (Common Ground Healthcare) Silver Standard $6000 - Vision Exam — Silver · $549.15/mo @ 40
- Anthem Silver Pathway/Lean Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $622.32/mo @ 40
- Anthem Silver Pathway/Lean 4000 ($0 PCP Visits + $0 Select Drugs + Incentives) — Silver · $622.48/mo @ 40
- Anthem Silver Pathway/Lean 5500 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $622.85/mo @ 40
- UHC Silver Standard (No Referrals) — Silver · $650.39/mo @ 40
- UHC Silver Value ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) — Silver · $650.42/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) — Silver · $658.23/mo @ 40
- UHC Silver Value+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision, No Referrals) — Silver · $665.99/mo @ 40
- UHC Silver Advantage+ ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) — Silver · $673.80/mo @ 40
Reviewed by Jason Burns, Editorial Steward.